Chase Sapphire Reserved and Preferred Pre Approval

[Remedios]

CSP is also 3 URs for dinning.

SUBs are identical when redeemed for travel, due to difference in multiplier. 

Both are good cards if you're planning on travel, but if you aren't, it's a total waste to apply only because you have pre-approval

 Yes, SUB is nice and one could go with "sub justifies AF for X number of years" but each year you pay AF for no reason other than "I have CSP/CSR", sub becomes smaller. 

If you do apply, you can always PC to CFF after a year if you're doing it for SUB only, so there is that. 

[FireMedic04]

Thank you everyone for the great advice. I guess from your perspectives, the cards won't work for me at the moment. I'll just hold off and go back to the garden. 

between the Flex, the discover IT and the Penfed PCR I'm pretty much set. I guess I'm just excited that I'm finally credit worthy to financial institutions lol

[EAJuggalo]

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@Remedios wrote:

CSP is also 3 URs for dinning.

SUBs are identical when redeemed for travel, due to difference in multiplier. 

Both are good cards if you're planning on travel, but if you aren't, it's a total waste to apply only because you have pre-approval

 Yes, SUB is nice and one could go with "sub justifies AF for X number of years" but each year you pay AF for no reason other than "I have CSP/CSR", sub becomes smaller. 

If you do apply, you can always PC to CFF after a year if you're doing it for SUB only, so there is that. 

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The SUBs are identical if you redeem for travel by booking through the Chase Travel Portal, and currently the CSR has a better travel portal than the CSP, but no one knows how much longer that will last.  However many cardholders, like me, transfer UR out to partner programs.  In that case the 10,000 extra UR in the SUB could be a RT flight on SW or two nights in a Hyatt.

[CBartowski]

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@DJRobbieD wrote:

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@FireMedic04 wrote:

Thank you for your response. 

would the chase preferred be preferred over AMEX? 

my end goal would be to get in with Amex. 

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Personally, I wouldn't say one is better than the other.  They each have their own benefits.  As you can see in my signature, I have both Amex and Chase cards.  However, if push came to shove, I'd probably chose my Chase cards over the Amex cards for the flexibility of Chase's Ultimate Rewards (UR) program.

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I agree with this. I love AMEX products but Chase UR really makes it easy to use their points, especially with the CSP or CSR

[FireMedic04]

Hi guys,

logged into my chase account and saw a pre approval for chase sapphire preferred for $22,000 with a green check mark.

I would of never thought in my time rebuilding my credit that I would get an offer like this. 

my question is the card a sought out good card to have? Worth it? I currently have the feeedom flex.

thank you all 

[coldfusion]

It's one of the best, of not the best, of the ~$100/yr AF travel cards but if you don't travel by air/train or stay in hotels much emperically the card won't really do an awful lot for you.

[MasonK]

It was my first travel card! It was also my first "Good Credit" card I got in my rebuild in late 2019 as a goal card... and the gateway drug to me getting into heavier products like the Amex Platinum and Gold.

The problem I have with it is that I live at a Delta hub and can't easily use points for flights on transfer parters because most partner flights out of here are multi-leg, and therefore, more expensive than Delta directs. That being said, I'm planning to use it for hotels exclusively now that travel is once again an option.

I do recommend it as a great card to get your feet wet in the travel card space. It's a low entry fee, it has great bonus potential, and if you really like it, take the bigger bonus, sit on it for a year, and upgrade to the CSR.

If you can make the spend for the bonus, I highly recommend it.

[longtimelurker]

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@FireMedic04 wrote:

my question is the card a sought out good card to have? Worth it?

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The question really shouldn't be if it is "sought out".   Just if the card is a good fit for your needs and will provide value (more so than other choices).

It's certainly got  nice bonus, fairly low AF.   The 3x on dining is already covered by your freedom flex, so the question is whether the 2x on travel, and, more importantly, the ability to transfer points to partners, is something that you want.

But if the spend isn't an issue, probably worth getting for the year for the bonus and see what you think!

[SouthernCredit]

For me, it was a goal card for a while. I burned Chase in BK7 (but not for much), and it took me 11 years to get back in, but my BK was off my reports and I was rebuilt by that point. I use it as one of my daily drivers to build my UR cache; coupled with my Amex Gold building MR points, I am able to reap some nice benefits, as we travel a good bit. 

If it fits your spend, and you can utilize the rewards, go for it. 

[Hoben02]

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@FireMedic04 wrote:

my question is the card a sought out good card to have? Worth it? I currently have the feeedom flex.

thank you all 

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>> I remember you had another previous post asking about this card and you stated 'you don't travel much'  this card is setup for the travel crowd. 

now as to your other question are you looking for a card that when you flash it the barista or retail person will swoon I've never seen that response with a csp although it is a metal card and makes a large clang when it's dropped on a hard counter